按揭續期 VS 按揭再融資

房貸知識你要知 Maggie Yam 28 Nov

[按揭小知識] 按揭續期 VS 按揭再融資 🏠 什麼是按揭續期? • 按揭期滿後(通常是五年或更短),你有三個選擇: • 與現有貸款機構續期 • 轉到新貸款機構 • 重新融資 • 續期意味著以新的按揭利率,延長現有按揭期。 🔄什麼是按揭再融資? • 用新的按揭取代現有的按揭 • 解除現有合約,簽訂新合約(例如較高的本金) • 可在按揭期內任何時間進行 • 提前再融資可能需要支付提前還款罰金。 #按揭小貼士 #按揭續期 #按揭再融資 #置業之路 #財務自由 #樓市小貼士 #加拿大 #溫哥華 #按揭經紀 #mortgagebroker #mortgageadvice #mortgage #swtich #Refinance

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Secondary Suite Refinance Program

Latest News Maggie Yam 8 Nov

Starting in January 15th 2025, this program allows refinancing of insured mortgages for homeowners looking to add secondary suites to their home. Borrowers will be able to access up to 90% of the home value, including the value added by the secondary suite(s), with a 30-year amortization, capped at $2 million. It is designed for […]

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增建第二套房融資計劃

最新市場消息 Maggie Yam 8 Nov

從2025年1月15日起,增建第二套房再融資計劃允許業主在購買保險貸款的前提下再融資,並將獲得的資金用於在原物業上增建第二套房,例如巷屋。這個計劃允許借款人最多可融資至房屋價值的90%,包括第二套房的增值,最高可達200萬元,並提供30年攤還期。此計劃特別適用於較大型的建設項目,例如巷屋,為業主提供了強大的融資能力。 註:保險貸款為一次性的保險費。

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Switching Mortgage Lenders

Mortgage Tips Maggie Yam 16 Oct

Mortgages normally have a maturity date. You can either renew your mortgage term with your existing lender or switch to a new lender. When renewing a mortgage, banks typically offer relatively higher interest rates. In other words, switching directly to another bank with a lower mortgage rate can save on interest expenses. For example: the […]

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按揭到期 換貸款機構慳錢慳息

房貸知識你要知 Maggie Yam 16 Oct

按揭一般都有1至5年、7年或10年的期限。在到期日時,你可以選擇繼續留在原有的貸款銀行續約,抑或在到期日,將整筆貸款轉移到另一間貸款銀行,以獲得相對好的利息及條款。 一般貸款續約時,銀行或貸款公司所發出的利率都會相對高。換言之,直接換至另一家較低按揭利率,便能節省利息支出。例如:原有的銀行的續約利率為5.7%,但轉到另一家銀行的利率可能係5%,這0.7%的息差,對於同樣是40萬的貸款、還款期為20年來說,5年間便可以省下達9000元。而尋找新的貸款銀行時,亦可選擇更有利的按揭條款及條件,例如:預付還款額。 按揭合約就快到期,想知多些資訊,歡迎致電或發短訊至604-441-2271查詢。

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First Time Homebuyers 30 Year Amortization!

Latest News Maggie Yam 16 Oct

  Effective today, First Time Homebuyers purchasing New Construction properties are able to qualify on a 30 year amortization! This Insured offering is an exciting opportunity for First Time Homebuyers looking to alleviate the pressures of affordability.A First Time Homebuyer is defined by meeting one of the following criteria:• The borrower has never purchased a […]

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首置買新樓 還款期延至30年

最新市場消息 Maggie Yam 16 Oct

自今日起,首次置業者購買新建房時,可以透過受保按揭貸款,分30年攤長還款期,以緩解每月供款。 首次置業者必須符合下列任何一項: – 借款人以前從未購買過樓;或 – 在過去4年中,借款人沒有將自己或其現任配偶或同居伴侶擁有的房屋作為主要居所;或 – 借款人最近經歷了婚姻或同居關係的破裂。 想知多些其他資訊,歡迎致電或發短訊至604-441-2271查詢。

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How to Pay Off Your Mortgage Faster

Mortgage Tips Maggie Yam 16 Oct

Dreaming of being mortgage-free? Here are some effective strategies to accelerate your payoff: 1. Review Your Payment Schedule: Switching to an accelerated bi-weekly payment plan can add an extra payment each year, reducing your amortization period by several years. 2. Increase Your Payments: Many lenders allow you to increase your payment amount by 10-20% without […]

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提早還清按揭貸款

房貸知識你要知 Maggie Yam 16 Oct

想早日擺脫按揭貸款?以下係一些還款策略: 1. 審查每月還款計劃:將付款計劃改為加速雙周付款計劃,每年可以多還一筆款項,從而縮短按揭期限。 2. 增加還款金額:大部分貸款機構允許在不收取罰款的情況下,將還款金額增加10-20%。利用加薪或獎金等額外資金直接還款,有助於更快減少按揭餘額。 3. 額外還款:如果你的按揭有預付款特權,可以進行額外的年度一次性還款或增加定期付款。這樣有助於更快還清按揭。 4. 搵更好的利率:考慮在按揭續約時進行再融資,以獲得更低的利率,從而降低總還款額和利息支出。 5. 再融資為更短的期限:如果按揭續約時選擇更短的還款期限,雖然月供會增加,但總利息支出會減少。 注意:並非所有按揭產品都提供上述選項。請檢查你的按揭協議或聯繫我,了解這些選項是否潛在的罰款。 如果你希望更快地還清按揭貸款,歡迎致電或發短訊至604-441-2271,讓我助你選擇最適合你情況的策略。

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5 Key Things to Avoid After Applying for a Mortgage

Mortgage Tips Maggie Yam 16 Oct

A client once reached out with a crucial question: “Can I finance a car now? Will it impact my current mortgage application?” I’m glad she asked before making any decisions. Consistency is important once you’ve submitted your mortgage application. To avoid jeopardizing your chances, discuss any changes in income, assets, or credit with your mortgage […]

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